Senior Director - Acquisition Credit Policy & Analytics

Corpay, Inc.; Atlanta (GA); Hybrid; USD 90,000 - 150,000; Full time

Job summary

An established industry player is seeking a Senior Director for Acquisition Credit Policy & Analytics. This pivotal role involves executing credit strategies and analytics for a thriving vehicle payment business. You will collaborate with various stakeholders to enhance decision-making processes and reduce credit risk. The position offers a hybrid work environment, allowing you to balance office presence with remote work. Join a dynamic team dedicated to innovation and excellence in the financial services sector, where your expertise will directly impact growth and risk mitigation strategies.

Benefits

Medical, Dental & Vision benefits

Automatic 401k enrollment

Virtual fitness classes

Generous PTO

Employee discounts

Support for philanthropic efforts

Engaging company culture

Qualifications

• 8+ years in credit risk strategy, focusing on Near-Prime segments.
• Strong analytical skills with a data-driven approach.
• Proficiency in SQL and Python.

Responsibilities

• Develop and manage the credit roadmap aligned with company strategy.
• Evaluate and integrate credit data sources using analytics.
• Own credit loss rates and enhance decision accuracy.

Skills

Credit Risk Strategy

Underwriting

SQL

Python

Analytical Skills

Communication Skills

Collaboration

Job description

Senior Director - Acquisition Credit Policy & Analytics

Senior Director, Acquisition Credit Policy & Analytics

What We Need

Corpay is seeking a Senior Director, Acquisition Credit Policy & Analytics in our North American Fuel Division, based in Atlanta, GA. This role reports to the VP of Acquisition Risk for the US and involves executing credit strategies and analytics for the US Vehicle payment business, generating approximately $1B in annual revenue. The role requires collaboration with stakeholders, Legal/Compliance, and Risk leaders.

How We Work

This position is hybrid; Corpay provides a dedicated workspace in Atlanta, GA, at our Global Headquarters.

Role Responsibilities

The responsibilities include:

• Developing and managing the credit roadmap aligned with company strategy, in partnership with customers, stakeholders, and Risk leaders.
• Evaluating, testing, and integrating credit data sources using analytics.
• Owning credit loss rates and leveraging data to reduce application credit risk, increase automation, and enhance decision accuracy.
• Creating and defining credit strategies and visions.
• Identifying needs in people, processes, and technology to build effective credit policies that support growth and risk mitigation.
• Analyzing credit models and data sources to identify trends and opportunities for improvement, including designing new credit models/rules.
• Designing 'test and learn' campaigns with cross-functional partners to validate hypotheses.
• Partnering with Decision Technology to implement credit rules and cash flow strategies.
• Collaborating with Fraud Analytics to optimize credit and fraud model orthogonality.
• Enhancing and automating reporting processes.
• Working with credit operations to improve manual review processes.
• Creating segment-level NPV models with cross-functional teams to maximize approvals.
• Engaging with Technology, Customer Service, and other teams to understand products and identify improvements.
• Managing 1-2 offshore analysts to support credit strategy analytics.
• Implementing strategies through business requirements, testing in UAT and production environments.

Qualifications & Skills

• 8+ years in credit risk strategy, especially in credit card acquisition, with a focus on Near-Prime segments.
• 5+ years in underwriting and strategy development for Small Business Segments.
• Experience in unsecured credit/lending strategies, particularly in near-prime, new-to-credit, and thin-file segments.
• Strong analytical skills with a data-driven approach.
• Proficiency in SQL and Python.
• Proven success in leading initiatives and delivering results.
• Excellent communication and presentation skills for senior audiences.
• Collaborative mindset with influence skills.

Benefits

• Medical, Dental & Vision benefits from the first month.
• Automatic 401k enrollment (eligibility required).
• Virtual fitness classes.
• Generous PTO including holidays, vacation, sick, personal, and volunteer days.
• Employee discounts on various services.
• Support for philanthropic efforts.
• Engaging company culture with contests and prizes.

Corpay is an Equal Opportunity Employer. We provide equal employment opportunities regardless of race, color, gender, religion, national origin, disability, age, sexual orientation, gender identity, marital status, veteran status, or other protected groups. Reasonable accommodations are available upon request for the application and interview process.

For more information, see our EEO and Pay Transparency policies.